Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Beacon Lake, St. Augustine — a gated community home in St. Johns County.

1 / 48

Active

Active·185 days on market·Beacon Lake

180 Loosestrife Way

St. Augustine, FL 32095

$975,000$263/sqftEst. $5,012/moMLS# 2132028

Beds

Baths

3,702

Sq Ft

2024

Built

Garage

Pool

About this home

Beacon Lake

Welcome to your luxury dream home in The Landing, the exclusive gated community within Beacon Lake. Built in 2024 by Toll Brothers, this stunning Spencer floor plan offers over 3,600 square feet of thoughtfully designed living space, featuring 5 bedrooms, 4 bathrooms, a dedicated office, a versatile bonus room, and a spacious loft--perfect for today's flexible lifestyle. The gourmet kitchen is a true showstopper, featuring a massive 66'' side-by-side refrigerator and freezer, premium KitchenAid stainless steel appliances, custom cabinetry, quartz countertops, and a beautifully designed butler's pantry that adds both elegance and functionality for entertaining. Gorgeous hardwood floors flow throughout the main living areas, complemented by designer finishes and built-in features that add both style and function.

Cost to own

Mortgage calculator

Home Price

$975,000

Down Payment: 20%

$195,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,012

Principal & Interest: $5,012

Property taxes (est.): $1,297

Insurance (est.): $650

Estimated Total Monthly

$6,960

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$5,012

Property taxesest. at asking price, St. Johns County$1,297

HOAbilled annually$6

Estimated total, before insurance$6,316/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,784/yr · $1,315/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $933,100 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$862,032	$811,310	—
2024	$190,000	$121,968	—
2023	$130,000	$110,880	—
2022	$100,800	$100,800	—
2021	$75,000	$75,000	—

2025 property taxes (current owner): $15,784/yr

Estimated taxes if purchased at asking price: ~$15,600/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,773 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 23, 2026Price change$975,000−$14,000
Feb 26, 2026Listed$989,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$975,000

Price / Sq Ft$263

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,702

Total Structure Area3,702 sq ft

Acres0.26 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address180 Loosestrife Way, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBeacon Lake

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size11,325.6 sq ft

Parcel Number0237240090

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesNatural Gas Available

Water SourcePublic

ParkingGarage, Garage Door Opener, Gated

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Trash Compactor, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Upper Level

SecurityCarbon Monoxide Detector(s), Fire Alarm, Security Gate, Smoke Detector(s)